Glendale, CA · Cert 57585 · Golden State Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #49 of 107 inst. · $0.7B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.11% | 0.93% | 1.06% | 1.12% | 1.11% | 1.18% | 1.26% | +20 bps | |
| Return on Equity | 11.41% | 11.44% | 9.65% | 11.13% | 11.68% | 11.32% | 10.89% | 11.63% | +51 bps | |
| Net Interest Margin | 3.61% | 3.61% | 3.90% | 3.83% | 3.73% | 3.79% | 4.12% | 4.15% | +33 bps | |
| Efficiency Ratio | 53.90% | 54.02% | 57.78% | 55.79% | 56.19% | 57.06% | 60.80% | 58.17% | +238 bps | |
| Non-Interest Burden | 1.93% | 1.91% | 2.24% | 2.12% | 2.08% | 2.15% | 2.49% | 2.38% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.17% | 14.71% | 15.73% | 14.42% | 12.19% | 13.95% | 9.79% | 8.93% | -549 bps | |
| Loan Growth (YoY) | 25.68% | 25.75% | 21.96% | 17.04% | 14.14% | 15.68% | 8.35% | 9.27% | -777 bps | |
| Deposit Growth (YoY) | 17.37% | 15.12% | 14.85% | 12.92% | 12.69% | 13.10% | 9.24% | 8.58% | -435 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.22% | 1.49% | 1.48% | 0.87% | 0.86% | 0.82% | -67 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.14% | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.34% | 1.34% | 1.34% | 1.34% | 1.34% | 1.34% | 1.33% | 1.31% | -3 bps | |
| Allowance Coverage of NPLs | 19.6x | 20.7x | 6.1x | 0.9x | 0.9x | 1.5x | 1.5x | 1.6x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.82% | 9.93% | 9.72% | 9.60% | 10.86% | 10.62% | 11.04% | +131 bps | |
| Total Risk-Based Capital | 9.75% | 9.82% | 9.93% | 9.72% | 9.60% | 10.86% | 10.62% | 11.04% | +131 bps | |
| Equity / Assets | 9.60% | 9.77% | 9.46% | 9.45% | 9.68% | 10.75% | 10.83% | 10.90% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.02% | 98.94% | 100.25% | 99.54% | 99.28% | 101.20% | 99.43% | 100.18% | +63 bps | |
| Liquid Assets / Assets | 14.64% | 13.83% | 13.30% | 13.44% | 13.26% | 12.67% | 14.03% | 12.82% | -62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 735% | 664% | 625% | n/a | n/a | |